FNS40821 Certificate IV in Finance
and Mortgage Broking
FNS40821 Certificate IV in Finance and Mortgage Broking
The FNS40821 Certificate IV in Finance and Mortgage Broking replaces the previous FNS40820 Certificate IV in Finance and Mortgage Broking course.
In our FNS40821 Certificate IV in Finance and Mortgage Broking course, you’ll learn about processing loans, including credit applications; identifying clients’ finance and mortgage broking needs and the relevant, necessary legislation that will ensure your work is always legally compliant. Developing and maintaining customer relationships is fundamental to this course. This course is eligible for 20 CPD points with the MFAA and 15 CPD points with the FBAA. At the time of completion, we will send you the CPD point codes.
The course length can depend on your previous experience and knowledge in the financial sector. Students with prior experience and knowledge may be able to complete significantly quicker.
If you wish to work as a mortgage and finance broker, you’ll need to have completed the FNS40821 Certificate IV in Finance and Mortgage Broking. This course contains all the information you’ll need to craft a successful career. If you’re looking to further your finance and mortgage broking career, completion of this course will provide many valuable skills that’ll benefit you in the long term.
Prior to commencing the course you will be required to complete an LLND (Language, Literacy, Numeracy and Digital Literacy) assessment.
You will also be required to provide a Unique Student Identifier (USI) number. If you do not currently have one you will be able to register at usi.gov.au.
Reliable internet and access to a personal computer are also necessary to be able to complete this course.
The FNS40821 Certificate IV in Finance and Mortgage Broking course comprises 12 units; seven core units and five elective units.
The seven core units to be completed are:
FNSFMB412 – Identify client needs and present broking options
FNSINC412 – Apply and maintain knowledge of financial products and services
BSBPEF501 – Manage personal and professional development
FNSCUS511 – Develop and maintain professional relationships in financial services industry
FNSINC411 – Conduct work according to professional practices in the financial services industry
FNSFMK515 – Comply with financial services regulation and industry codes of practice
FNSFMB411 – Prepare loan applications on behalf of clients
The five elective units have been selected by Entry Education based on relevance and local industry needs. They are as follows:
BSBTEC301 – Design and produce business documents
FNSASIC311 – Establish client relationship and analyse needs
BSBOPS304 – Deliver and monitor a service to customers
BSBPEF402 – Develop personal work priorities
FNSSAM421 – Provide information on financial products and services to clients
Completion of a Cert 4 Mortgage Broking has never been easier, thanks to Entry Education. Work at your own pace, without fuss, fluff, or unworkable deadlines.
Standard Service – Standard service is provided with all Entry Education courses at no charge
Phone support: Queue-based phone support
Online support: Unlimited online course support that is accessed via the portal, responses will generally be received within one business day of submission
Certificate: Certificates can take up to 5 business to issue following the successful completion of the course
Premium Service
Access to a dedicated support phone line
Submitted assessments will be marked within 3 business days
Receive your certificate within 2 business days following the successful completion of the course
Post-completion video call
Note: This service is available for the first 6 months of your course.
If you want to begin the process, you can register to an online FNS40821 Certificate IV in Finance and Mortgage Broking face-to-face workshop. Start your workshop on one of the following groups:
Day 1 – Lending Solutions: Nov 13, Jan 15
Day 2 – Professional Practices: Nov 20, Jan 22
Day 3 – Loan Submissions: Nov 27, Jan 29
Day 4 – Loan Applications: Dec 4, Feb 5
Day 5 – Skills and Development: Dec 11, Feb 12
Day 6 – Service and Priorities: Dec 18, Feb 19
Day 1 – Identify and present suitable lending solutions
Course introduction
FNSFMB412 – Identify client needs and present broking options
FNSINC412 – Apply and maintain knowledge of financial products and services
Day 2 – Professional relationships and practices
FNSCUS511 – Develop and maintain professional relationships in financial services industry
FNSINC411 – Conduct work according to professional practices in the financial services industry
Day 3 – Prepare and submit loan submissions
FNSFMB411 – Prepare loan applications on behalf of clients
FNSSAM421 – Provide information on financial products and services to clients
Day 4 – Manage loan applications
FNSFMK515 – Comply with financial services regulation and industry codes of practice
BSBTEC301 – Design and produce business document
Day 5 – Manage professional skills and development
FNSASIC311 – Establish client relationship and analyse needs
BSBPEF501 – Manage personal and professional development
Day 6 – Develop service and priorities
BSBOPS304 – Deliver and monitor a service to customers
If you are currently working in the industry in NSW or ACT, you could complete the FNS40821 Certificate IV in Finance and Mortgage Broking or the FNS50322 Diploma of Finance and Mortgage Broking course with government funding.
Select your state to find out eligibility: NSW – ACT
Entry Education is an accredited provider of real estate and finance and mortgage broking training. Our Australian finance and mortgage broking as well as real estate courses are delivered under our Registered Training Organisation (RTO 41529). We are recognised by all relevant bodies issuing real estate and property management licensing across the country.
Entry Education will issue all students with their certificates, statements of attainment and transcripts of results as we’re a Registered Training Organisation (RTO 41529).
Students will receive a soft copy (PDF) of their qualification once successfully completing the course. Hard copy certificates can be printed and posted to you for a fee.
Study delivery method:
Entry Education offers the FNS40821 Certificate IV in Finance and Mortgage Broking as:
self-paced onlinecourse ($355) OR
6-day* online face-to-face workshop ($1,250). Gain priority trainer access, insider insights on industry entry and real-world scenarios. Networking opportunities and exposure to career prospects. With the option to accelerate at your own pace if desired. Find out more.
*The workshops are held each month via Zoom.
I recently completed my Certificate IV in Real Estate Practice through Entry Education and I couldn’t be more impressed. From start to finish, the entire process was smooth, professional, and genuinely supportive.
The trainers are industry… More experts who explain everything clearly and are always available to guide you — no question is too small. The course content is practical, well-structured, and directly relevant to real-world real estate work.
What really stood out was the flexibility. I could complete the course around my schedule without compromising on quality. Entry Education genuinely cares about student success, and it shows.
If you’re looking to launch or level up your real estate career, I highly recommend Entry Education. They make learning accessible, engaging, and results-driven!
I recently completed my Certificate IV in Real Estate with Entry Education, and I couldn’t be happier with the experience. The team was highly professional and provided excellent student support throughout the course. They were incredibly… More responsive, with fast turnaround times on marking assessments and providing helpful feedback. The learning material was clear and well-structured, making it easy to stay on track. It’s a fantastic training provider that genuinely supports its students. I highly recommend Entry Education to anyone considering a career in real estate.
I recently completed my Certificate IV in Real Estate Practice with Entry Education through their self-paced online course, and I had a great experience. The whole process was smooth and easy to follow. The team was always helpful and supportive… More whenever I had questions or needed help with my assessments. I really appreciated how responsive they were. Would definitely recommend Entry Education to anyone looking to study real estate!
Excellent and Responsive Training!
I just finished my CPP41419 Certificate IV in Real Estate Practice (Victoria) with Entry Education. I was so impressed with their outstanding responsiveness!
Anytime I had a question, their team got back… More to me quickly and helpfully. This support made my learning journey smooth and easy. The course content was comprehensive and the online platform was user-friendly.
Highly recommend Entry Education for real estate qualifications in Victoria!
Absolutely amazing Educational Institution. I did unrestricted real estate sales. The course was very straightforward. Excellent study guides, outstanding and profoundly helpful assessors. Excellent support team, can't recommend it… More enough, it's wonderful!
I am very grateful for the courses provided by Entry Education and the dedicated guidance from the teachers. Although my English level is average, I have noticed significant improvements in my abilities throughout the learning process.… More
The teachers are always patient in answering my questions and explaining complex concepts in an easy-to-understand manner. Their support has filled me with confidence during my studies. The course content is rich and covers various aspects of the real estate industry, giving me a comprehensive understanding of the field.
I particularly enjoyed the practical components of the course, which allowed me to apply theoretical knowledge to real-life situations. This experience is invaluable for my future career.
I highly recommend Entry Education to all students interested in entering the real estate industry! No matter your background, there are suitable learning resources and support available here. Thank you, Entry Education, for providing me with such valuable knowledge and skills!
— Guozhu He
I recently completed my Certificate IV in Real Estate Practice with Entry Education and I couldn't be happier with the experience! The course was engaging, informative, and perfectly structured to help me achieve my goals.
The trainers… More were knowledgeable, supportive, and always available to answer my questions. The online platform was user-friendly and made it easy to stay on top of my studies.
I appreciated the flexibility of the course, which allowed me to balance my studies with work and other commitments.
The content was relevant and up-to-date, covering everything I needed to know to succeed in the real estate industry.
I'm so grateful to have chosen Entry Education for my training. I feel confident and prepared to start my new career in real estate, and I couldn't have done it without their support.
Thanks, Entry Education, for an exceptional learning experience! I highly recommend you to anyone looking to pursue a career in real estate." 5/5 stars!
The course was informative and perfect for anyone looking to deepen their real estate knowledge. I chose the self-paced option, which allowed me to balance studying while raising kids and working….this flexibility was a lifesaver for me.… More The staff was always prompt, responsive, and genuinely helpful whenever I had questions. :-) overall I had a great experience with Entry Education.
I’ve just completed my Certificate IV in Real Estate through Entry Education, and I couldn’t be happier with the experience. The support team was fantastic, especially Jane Moore, who offered invaluable encouragement along the way. There… More were times I felt uncertain about my answers and was surprised by how much legislation there was to learn. But with their guidance, I was able to get through it, and I’m thrilled with the outcome.
Thank you to the entire Entry Education team for your patience and support. Much appreciated!
Entry Education deliver a thorough and comprehensive course for anyone looking to work in the real estate business - fully credited
and nationally recognised in Australia. I did my course over four months with the additional VIP support… More package where I could call Entry for any questions or queries I had regarding my course. The coursework and module exams are self paced and effective. I have learnt so much since completing my course and I’m now ready for a career in property! For anyone interested in taking the leap, I highly recommend Entry Education - their staff are lovely and always on call to help. I’m so happy I went with them and have achieved my certificate in real estate practice.
Just completed my Cert IV in Real Estate and I am happy to say the team was amazing! Thank you to everyone I dealt with! All the best. 👍 P.S If you are keen to do the course asap the premium service really was worth it.
Recently I completed my Cert IV in Real Estate practice….I thoroughly enjoyed this and the format it was presented in and I have gained so much knowledge.
I really liked the flexibility of this course as it worked well with busy scheduling,… More and the expectations were clear and upfront. I also liked being able to access info anytime of the day, no matter where I was.
Entry Educations customer service was outstanding, and the course content was exactly what I was looking for. I was so pleased with the service I received from this business.
I can’t speak highly enough about my trainer “Jane Moore” as she gave me the most exceptional customer service. Jane went above and beyond to assist whenever I needed assistance and nothing was too much trouble.
I was extremely impressed by her level of knowledge and efficiency and when it came to marking my work, she would make it a priority and for that I’m truly grateful.
I'm struggling here to think of any reason why this should not get a five-star rating.⭐️⭐️⭐️⭐️⭐️
I highly recommend anyone looking to do a course, to look no further then Entry Education and I’m also looking forward to completing my Diploma of Property (Agency Management) soon.😊
Completing my Diploma of Property with Entry Education was an outstanding experience! The staff were incredibly helpful and always willing to assist me with any questions I had. Their guidance and support made the learning process smooth… More and enjoyable. The course content was comprehensive and well-structured, providing me with a strong foundation in the property industry. I'm grateful for the knowledge and skills I gained, and I highly recommend Entry Education for anyone looking to advance their career in property!
Last year I completed the Diploma of Property to obtain my Real Estate License, I found the experience fantastic from start to finish. David was an extremely knowledgeable trainer and seemed genuinely passionate about helping all students… More in gaining their qualification. The course was comprehensive, however it always felt achievable. The platform was easy to navigate. I would highly recommend Entry Education! Thank you again.
I recently completed the Diploma in Property (Agency Management) through Entry Education. The online learning was great and I felt well supported whilst completing my assessments afterwards. My assessments were marked really quickly… More so as I moved through each module I knew I was on track with the previous modules. The Diploma was a bit of work but the way it is structured is fantastic because it works through the process of setting up a business of your own which can be applied in the real world. Mal was exceptional in her support. She was super responsive and I never felt like I was on my own doing this which can sometimes happen when you study online. I highly recommend Entry Education.
The perfect process of study includes theory with practical exercises. The support staff is friendly, has a high level of customer service and is always ready to help. I want to mention Brian, who always tried to help me solve administrative… More and educational issues. As a result of my studies, I have gained deep knowledge about preparing and selling real estate, especially regarding preparing and conducting auctions.
I received a certificate a couple of hours after completing the last module. A large amount of information is delivered quickly and clearly—the learning guide has very high-quality content.
I am happy with my study in Entry Education. Thank you very much!
I recently completed my Cert IV in Real Estate Practice with Entry Education. I would recommend their training to anyone in a heartbeat. The entire experience was easy and stress-free, the trainers were always there for support when it… More was needed and went that extra mile to ensure their trainees were confident and completely understood the task at hand. Their zoom classes were a great way to go through each unit as a team, and their training portal is so easy to use and understand. Thank you Brooke, Alex and Entry Education for a great year of training!
Betty and the team at Entry Education were outstanding to deal with. The streamlined process was fantastic, as was Bettys willingness to accommodate everyone in a helpful manner. Nothing was ever too much trouble for her. Can highly recommend… More the course.
Entry Education has provided exceptional assistance throughout my completion of the restricted sales registration. The training program was incredibly helpful, and the staff, namely Cale Morton, offered a well-structured structured curriculum… More with great personalised assistance. The guidance I received was especially helpful, particularly from Mitch Morton, making some of the more complex concepts easy to understand. I highly recommend Entry Education to anyone pursuing a career in real estate.
Betty's assistance whilst I was studying for my full real estate licence has been second to none. Her responsiveness is unreal, and her esse of approach and positive attitude is refreshing. I would not hesitate to recommend Entry Education,… More and in particular, Betty's training , to anyone. Thanks for all your help and hope to cross paths again in the future.
I recently completed the Certificate IV and Diploma in Mortgage Broking. I really enjoyed how convenient and flexible the course was. I was able to complete both qualifications while working full time because everything was online and done… More at my own pace. Thanks so much for such an enjoyable experience! I am looking forward to beginning my career as Mortgage Broker!
I would to thanks the team Entry Education for their assistance in obtaining full Real Estate licence, specially thanks Mr BEN he always helping and answer the questions, his service is really good, highly recommended!
I have done my Cert IV in Finance and Mortgage Broking through Entry Education. I must thank Luise, the course trainer for the much guidance and support throughout the course. She is always ready to answer your questions and steer you to… More the right direction. Their staffs are always available and ready to help as well. It was a pleasant and smooth experience.
Recommend using Entry Education for your licensing needs! Lauren in particular was a great help in leading me through both the Cert IV and Diploma in Real Estate.
Have recommended them to my wider company and would happily recommend to… More anyone else.
Current information on how to become a mortgage broker in Australia. Includes the best course for you, along with tips and advice on how to get there.Read more
Recognition of prior Learning (RPL) option for experienced mortgage brokers or bankers
If you an experienced mortgage broker or banker, you can complete your qualification by applying to Recognition of Prior Learning (RPL). This process uses a combination of traditional assessment and RPL.
RPL enables you to provide examples of workplace documentation that can be aligned to the course requirements and reduce the volume of assessment a new entrant would otherwise be required to complete.
FNS40821 Certificate IV in Finance and Mortgage Broking
In order to complete an Entry Education course, such as the FNS40821 Certificate IV in Finance and Mortgage Broking, you’ll need access to a reliable internet connection and desktop or laptop computer with webcam access for workshop sessions. All of our courses are delivered entirely online, meaning our students can work at their own pace, completing the required units around their own work schedule. All you’ll have to do is worry about the completion date you set yourself.
As the leading real estate training provider in Australia, we minimise stress and maximise efficiency within our course by delivering only the most relevant, practical information. You’ll also have complete access to our online portal 24/7, as well as a direct message system to communicate with our experienced tutors when needed.
Frequent asked questions
What support will I receive?
As an Entry Education student, you’ll have unlimited access to ongoing support throughout the duration of your course. Our direct message system lets you seek support whenever you need it, including on weekends and outside the typical 9-5 workday hours.
Entry Education works around your schedule, not the other way around. We’re with you every step of the way, giving you the platform you need to excel in real estate fields.
How long does the mortgage & financing course take to complete?
Our FNS40821 Certificate IV in Finance and Mortgage Broking course is a self-paced course, meaning there’s no deadlines or pressure. The only obligation you have is to complete your course by the dates and timings you set yourself.
Which mortgage broking course providers offer recognised certification?
There are many course providers out there, some very cheap, others very expensive, but Entry Education is the largest provider in Australia and it provides great service at a good reasonable price. Entry Education offers online support after hours and qualified trainers who deliver high-standard courses.
What are the top mortgage broking courses that include job placement assistance?
At Entry Education, whilst we don’t offer any recruitment services, we do provide a one-on-one course finalisation call at the end of your course, where you can talk to an industry trainer about their tips and experience and some steps that you can take once you have your qualification. We collaborate with leading aggregators across Australia, such as Lendi (Aussie) and Loan Market Group, to ensure we stay current and relevant within the industry. These partnerships can sometimes provide valuable networking opportunities, which we are happy to share with you. These events may be held in person or online, such as webinars or conferences, offering convenient ways to connect and stay informed.
Which mortgage broking courses provide access to professional mentoring?
At Entry Education, whilst we don’t offer any professional mentoring services, we do provide a one-on-one course finalisation call at the end of your course, where you can talk to an industry trainer about their tips and experience and some steps that you can take once you have your qualification. You can also have short on-on-one coaching calls during your studies with us, if you are not understanding something or need further support.
What mortgage broking courses offer payment plans or financial aid?
Entry Education provides flexible payment options via AfterPay. And all courses that cost above $1,500 do have a two-payment installment plan.
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Trusted by 100,000+ mortgage broking professionals in AU
“The delivery of the content is clear and precise, and the assessments are easy to navigate. My experience was successful, beneficial and enjoyable.”
Tom Carey
FNS40821 Certificate IV in Finance and Mortgage Broking
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Want to become a real estate agent or mortgage broker, but can’t make face-to-face classes?
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